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Kristen is saving $30 per month for retirement in their retirement account which already has a balance of $97,000 earning 10.4% per year on average.

"Kristen is saving $30 per month for retirement in their retirement account which already has a balance of $97,000 earning 10.4% per year on average. How many years will it be before they meet their retirement goal of $460,000?"

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